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Guillermo J. Senmartin, Esq.
Guillermo J. Senmartin, Esq., Abogado
Categoría: USA Ley en Español
Clientes satisfechos: 112014
Experiencia:  10+ años de experiencia en derecho de inmigracion EE.UU y 8+ años de experiencia en derecho general.
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Hi, I am an importer-exporter located outside the USA. I sold

Pregunta del cliente

Hi, I am an importer-exporter located outside the USA. I sold some goods to a US based company (buyer) that advanced me the funds to buy the goods. A partial shipment was received by me and delivered to my buyer, but the rest was not received and seems it will be received late and at a higher price. This looks like it will take several months to resolve. Meanwhile the buyer wants me to sign a promissory note for the remaining amount equivalent to the undelivered goods. Said note has a maturity of 4 months and a annual rate of interest at 17%. The buyer has chosen Florida as the legal venue in case of litigation, and the note includes a waiver of jury trial as well. Is the interest rate is too high per usury laws? is the waiver if jury trial normal? In my opinion the term to maturity, the interest rate and the waiver of jury trial are abusive. I need a professional opinion please!
Enviada: hace 5 años.
Categoría: USA Ley en Español
Experto:  Guillermo J. Senmartin, Esq. escribió hace 5 años.

18% is actually the threshhold. Here is a link:




But it is up to you as to what you sign. This new part of the deal I'm sure was not in the original agreement. So you can negotiate a better interest rate, term, etc.


As far as waiving a jury trial, yes, that is normal. You have to decide if you want to agree with that as well. Often juries are not that smart. Judges are supposed to be. So you have to decide if you want someone smart looking at your case and deciding it or someone not so smart and maybe that could be easier or harder to sway.


Please let me know if you have any additional questions. I would be happy to answer them for you without additional charge, if not, please do not forget to click ACCEPT. I am not paid a salary. Clicking accept is the only way that I can get paid for helping you. When you click accept, you are not charged again and we can continue to communicate without additional charge if you have a few follow-up questions. If there is a delay in getting back to you it is either because I am answering other questions or I had to log off, but I will be back with you as soon as possible. If you would like to request me in the future, just put my name on the subject line. Positive feedback for my service to you (not the state of the law as it is) is always appreciated as well as any bonus if you think I deserve it. Thank you.

Guillermo J. Senmartin, Esq. y otros 2 otros especialistas en USA Ley en Español están preparados para ayudarle
Cliente: escribió hace 5 años.
On the same subject: Being offshore and not easy to serve process, I believe I can play a bit of hardball and negotiate a one year note at 8%, to buy myself some slack, no? mainly what I want to know is how hard and costly would it be for them to serve process to me here (in Central America) if we dont agree to the note (never sign it) and we end up litigating...
Experto:  Guillermo J. Senmartin, Esq. escribió hace 5 años.
Yes. The idea is to make the cost of litigation too high for them. As far as service of process, that is not hard or expensive. It's the entire process of the litigation and then even if they win, they then have to collect and that is difficult as well.
Cliente: escribió hace 5 años.
OK, many thanks. Do I need to accept and pay again?
Experto:  Guillermo J. Senmartin, Esq. escribió hace 5 años.
No you do not. Thank you!